Whisper Wealth Builders

?? Student Loan Borrowers, Pay Attention ?? Millions of borrowers are falling behind on their student loan payments, and the consequences are about to get real. Credit scores are plummeting, delinquencies have doubled, and wage garnishment and tax refund seizures could be coming as soon as 2025.

"The Evolution of Advice." 1900s – “The Bank Clerk” Basic banking services and savings accounts Think: J.P. Morgan & Co. (early banking powerhouse) Most people relied on local banks for savings and loans. Investing was for the wealthy, and personal financial advice was rare. 1920s – “The Insurance Salesman” Commissions & Policies Think: Prudential, MetLife Financial advice was often tied to insurance agents selling policies. The focus was on products, not holistic planning. 1950s – “Stockbroker Era” Commissions on Trades, Not Financial Planning Think: Merrill Lynch, E.F. Hutton Brokers made money by selling stocks, not providing financial strategy. Advice was geared toward increasing commissions. 1980s – “The Mutual Fund Boom” Diversification but Still Sales-Driven Think: Fidelity, Vanguard The rise of mutual funds allowed for easier diversification. Advisors still worked on commissions, often steering clients toward specific funds. 1990s – “The Financial Planner” Planning Begins, But It’s Not Personalized Think: Charles Schwab, Ameriprise Financial planning started to gain traction, but advice was still broad. Many plans followed cookie-cutter models based on generic risk profiles. 2000s – “The Robo-Advisors” Automation, But No Human Insight Think: Betterment, Wealthfront Algorithm-based investing emerged, offering low-cost automated advice. However, there was no real personal connection or tailored strategy. 2010s – “Fee-Only Fiduciaries” Better Advice, But Still Focused on Investments Think: Vanguard Personal Advisor Services, Ritholtz Wealth Management Independent, fee-only advisors gained popularity. Advice was better but still centered on investment management, not full financial life planning. Present – Whisper Wealth Builders Your Personal Advisor. Your Life. Your Plan. The Next Evolution in Financial Advice We go beyond investments—we match your money to your life. Personalized, holistic financial planning with clear action steps. Prudent decisions replace patchwork advice, making financial success more likely.

How would you know that you could afford an advisor, if we didn't post it to show you?

Tired of running in place? This January, skip the gym and invest in a Whisper Wealth Membership. We’ll help you declutter your life, starting with those apps that keep blurring your vision. #PlanetPlanning #LAFinance #WhisperWealth

At Whisper Wealth, we bring a full-service approach to financial planning. From Financial Advisory to Investment Management, we handle the details while you stay in the driver’s seat, focused on where you’re headed. With our personalized strategies, you gain more than just a plan—you gain peace of mind, time saved, and the confidence that your financial future is on the right track. Let us fuel your success. The road ahead starts here. #WhisperWealth #FullServiceFinance #FinancialAdvisory #InvestmentManagement Kyle Matkaitis, CFP?

"Every thriving future starts with a strong foundation. Whisper Wealth lays the groundwork for your financial success". - Kyle Matkaitis, CFP? #FinancialPlanning #Insurance #Investments

If there's something weird And it don't look good... #inflation #election #halloween #spooky

If you need it, get it. If you want it, think about it. Every month, many of us spend hundreds on things that bring us joy in the short term, like that "cool car" we drive around town. But when we think about our long-term goals, what truly brings value? For just a fraction of what it costs to finance a new car, you could invest in a financial advisor who helps you build a solid financial future. ?? $735/month on a car payment – Is it a want or a need? What’s the long-term value? ?? $100/month on financial advice – A necessity for a secure financial future, or a "boring" expense? At Whisper Wealth Builders, we believe that every dollar should work harder for you, not just today, but for years to come. Are you ready to rethink where your money is going? DM us to start a conversation about long-term value and achieving your financial goals. #FinancialPlanning #Investment #WealthManagement #LongTermValue #FinancialFreedom #WhisperWealthBuilders #SmartSpending